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Agra
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in Agra

Agra, the city that proudly houses Taj Mahal, one of the seven wonders of the world, is located around 235 km away from the National Capital Region. The city which was previously known as Akbarabad is also home to other architectural wonders such as the Jama Masjid, Akbar’s Mausoleum, Itmad-Ud-Daulah, Chini-ka- Rauza, Agra Fort and Fatehpur Sikri. According to Historians, Agra is the place where Akbar’s divine faith ‘Dīn-i Ilāhī came into existence. Agra’s tourism industry forms the bedrock of the city’s local economy. The monuments of Agra serve as one of the finest examples of the Mughal architectural marvel and craftsmanship. Art meets business through lucrative business opportunities such as handicrafts, marble inlay, footwear, carpet and leather industries. People of Agra are fond of art, architecture and also gold jewellery. Many of them are dependent on gold loans. To experience the rich culture of Agra, one has to attend festivals such as the Taj Mahotsav and Ram Barat.
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Eligibility criteria for an online gold loan

As far as forms of credit go, online gold loans provide a range of peerless flexibility! Here are some of the basic eligibility criteria that you need to meet if you are looking to avail an online gold loan-

1) Since lenders prefer disbursing loans to borrowers that are domiciled within the same geographic boundaries as theirs, you will have to be of Indian nationality and residing in India to avail a loan.

2) You must be an independent major, that is of the age 18 or above

3) Since, usually, Indian lenders do not approve gold coins or bars, the collateral you are looking to secure your loan with has to be gold in the form of jewelry or ornaments.

4) The jewelry you are looking to pledge must be 18 Karat or above (Karat is the measure of the purity of gold)

It is noteworthy that the loan amount you are eligible to receive is bound to vary from the market gold rate. This is due to the fact that lenders don't go by the current market price and instead arrive at the average gold rate based on the rate from the past 30 days. 

Benefits of an online gold loan

An online gold loan offers unparalleled benefits. To avail a gold loan, you need to register yourself as a borrower and mortgage your gold ornaments. The best feature of an online gold loan is that the entire process of the loan application and approval takes place online. Hence, the location of the borrower does not matter. Usually, the lender sends a loan officer to the borrower within half an hour of getting the loan request, who verifies the gold, and gives a quote. On successful verification and subsequent approval, the lender then sends the amount directly to the bank account of the borrower. With an online gold loan, a borrower can get up to 75% of the gold's average market value. As it is a secured loan, the rate of interest is lower than many other types of instant loans. Additionally, a borrower can apply for a gold loan only with the Aadhaar Card.

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Frequently asked questions

Is there a processing fee while applying for an online gold loan?

Yes, processing fees are likely to occur in the event of getting a loan online. Overhead charges are likey to be levied from you in the form of processing charges. The same way gold valuation, loan amount, loan interest rate vary from lender to lender, the processing fees also change from lender to lender. It is important that before you decide on a lender, you understand the processing fee they charge. A high processing charge can create a considerable increase to your loan charges. Rupeek makes sure that the processing fee it charges is affordable and convenient to its lenders. Rupeek offers one of the lowest processing fees in the market.

Can I take a gold loan for my education?

One of the most flexible features of a gold loan is that you can spend it as per your discretion provided it is not with the intent of laundering money, terrorism, gambling, or any other such illegal activities. This implies that you can very well avail a loan for educational purposes. Easy repayment terms where you only have to pay interest each month and a flexible loan tenure ranging anywhere between 6 months to 12 months depending on your repayment capacity makes gold loans in <cityname> one of the most favorable loans to opt for while pursuing higher education.

How do I close my loan on gold and release my jewels?

There are several ways to close your gold loan in cityname and get your collateral released. The lenders give the borrowers an option to close their loan account online. The entire loan closure summary along with the complete details associated with it – such as accrued interest, rebate amount (if applicable), and the closure amount for the gold loan in cityname will be displayed online. The loan manager will hand over the collateral asset once the loan account is closed by the borrower. Just as the other procedures associated with an online gold loan, the closure of the loan is also a hassle-free process.

Under what cirumstances will my gold loan get rejected?

A secured loan is one of the easiest and hassle-free loans to acquire. It is also one of the most flexible sources of funds that are available to a lender. That is to say that only in extreme cases the loans are likely to be rejected by the lender. The few cases in which the gold loans in cityname will be rejected are as follows:

  1. Insufficient documents. A secured loan only demands very minimal documentation. The only documents that are required for a gold loan in cityname are the address proof and identity proof. If there is something suspicious about these, the lender is likely to reject your loan.
  2. Low credit score. Gold loans in cityname do not consider the credit score of the lender before sanctioning the loan. But if the credit score is too poor to accept, the lender will have no other option but to reject the loan.

3. Gold eligibility. Most lenders only accept gold loans that are in the form of ornaments and whose purity falls between 18 karat and 22 karat

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